Tioga County USDA Loan

What areas of Tioga County are eligible for the USDA Mortgage Program?

The USDA has zoned ALL of Tioga County as geographically eligible for their USDA Rural Development Mortgage Program. The largest towns in Tioga County, Pennsylvania that are eligible for a USDA Loan include Mansfield, Elkland, Blossburg, and the county seat of Wellsboro.

To check to see if a specific home in Tioga County, Pennsylvania is USDA Eligible call 717-745-8380 or email USDA@keystonehomefinance.com

USDA Eligible Areas in Tioga County, Pennsylvania


Eligible Towns

  • Arnot

  • Blossburg

  • Elkland

  • Fall Brook

  • Knoxville

  • Lawrenceville

  • Liberty

  • Mansfield

  • Millerton

  • Roseville

  • Tioga

  • Wellsboro

  • Westfield

  • all other areas

Eligible Townships

  • Bloss Township

  • Brookfield Township

  • Charleston Township

  • Chatham Township

  • Clymer Township

  • Covington Township

  • Deerfield Township

  • Delmar Township

  • Duncan Township

  • Elk Township

  • Farmington Township

  • Gaines Township

  • Hamilton Township

  • Jackson Township

  • Lawrence Township

  • Liberty Township

  • Middlebury Township

  • Morris Township

  • Nelson Township

  • Osceola Township

  • Putnam Township

  • Richmond Township

  • Rutland Township

  • Shippen Township

  • Sullivan Township

  • Tioga Township

  • Union Township

  • Ward Township

  • Westfield Township


Note: This list is an indicator of USDA Eligible Areas for the County but does not necessarily include every possible eligible area. If you do not see your town listed, feel free to contact us to double check. All of Tioga County, Pennsylvania is located in a USDA Eligible Area.

Tioga County USDA Household Income Limits 

Income table.png

If your Household Income exceeds the figures in this chart, you may still qualify. The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.   

Deductions to reduce your USDA Household Income Calculation

  • $480 for each minor child living in the household

  • $480 for any student living in the household who is not on the mortgage application

  • $400 for each disabled household member who is not on the mortgage application

  • Documented Child Care Expenses for household members under the age of 13

  • Documented Medical/Disability Expenses for household members age 62 or older (this deduction is allowable if the expense exceeds 3% of the household income)